When They’re Ready. We’re Ready.

WITH YOU EVERY STEP OF THE WAY

Ages 3+

GOOD FINANCIAL HABITS start early.

Newsflash: Your babies aren’t babies anymore. Your kids are walking, running, making friends and starting school… now’s the perfect time to talk to them about saving. So get your young ones engaged early with our tips on saving, sharing, and spending.

FOR KIDS

Up for a Challenge?

The grocery store is a great place to teach about saving – kids understand food, no matter how old they are!

  • CREATE A LIST. Explain to your child the importance of planning rather than impulse. Use the list to work with your child to find the best deal on your products.
  • COMPARE FOOD. You know those cute pre-cut carrots? Compare them to a bag of whole carrots. What’s the better value and why?
  • COMPARE STORE BRAND PRODUCT VS. NAME BRAND PRODUCT. The store brand may be less expensive, does the quality measure up to the name brand?

Financial Challenge for OLDER KIDS

Each player starts with a pile of coins. Separate each pile into each type of coin – pennies, nickels, dimes, quarters. Then add each pile of coins. Finally, add all the coins together. The winner is the one with the most money.

FOR PARENTS

Help Build Good Financial Habits

We talk to our kids every day – we ask them about school, about their friends, about sports and even the weather! Talking about money is just as important but how do we get started?

Do they have a toy they really, really want? Or maybe their friend is having a birthday and they want to get them something special. These are great opportunities to talk to them about saving for something they want or need.

Great times to talk to your children about money:

  • At the bank
  • On payday
  • At the grocery store
  • When paying bills
  • When planning a family vacation

Ages 9+

saving really adds up!

Time certainly moves fast… your kids are helping out around the house, earning an allowance, getting more independent day by day. It’s time to help your kids make the most of their hard work – and we want to help! So bring your child (up to age 13) to your nearest NSB branch and we’ll provide a one-time match up to $15 when you open their new savings account or make a deposit into an existing savings account in your child’s name.1
Open a Savings Account

FOR KIDS

Up for a Challenge?

Surprise! You just received $50 for your birthday. What are you going to do with it?

  • Will you spend it right away?
  • Will you put it in your piggy bank to save for something you really want?
  • Will you go to the bank and open a savings account?

Now ask yourself these same questions but this time, you had to work to earn the $50. Are your answers the same?

FOR PARENTS

Help Build Good Financial Habits

Help your child understand the importance of setting goals with their money. Short term and long term goals are great to have and best to establish at a young age. Here is a goal setting worksheet to help your child establish and reach their goals.

Ages 14+

help your teen save as they spend.

Your kids continue to get more active in earning money – and actively spending, too. This is a great time to encourage responsible spending alongside their saving habits. Check out our tips to encourage your teen to save, and how to make every dollar they earn go as far as it can.

FOR KIDS

Up for a Challenge?

At times, technology seems to rule the world. You’re online for school, for work and for play. The Internet is a useful tool – when used properly.

Play it safe with these tips!

  • Keep your phone & computer up to date with the latest security software and operating system.
  • Establish strong passwords. Don’t share them and don’t use the same password for everything.
  • Keep your personal information, personal. Hackers can use social media profiles to figure out your passwords and security questions – don’t feed them this information.

Click here for more helpful tips about protecting yourself online.

FOR PARENTS

Help Build Good Financial Habits

It’s hard to believe your child is old enough for his or her FIRST job!

Here are some tips to help them succeed in the search and landing that job.

  • Dress for success. When meeting with a representative from a potential work place, be sure to wear clean, classy, unwrinkled clothing – no jeans, no holes, no t-shirts.
  • Be on time – 5 to 10 minutes early is even better!
  • Practice for your interview. Think of questions you want to ask. Have someone interview you with potential questions.
  • Be confident. Eye contact is the best way to show your confidence. You can do this – you know what you want, go out there and get it!

Ages 18+

go live your life!

Is your young adult planning to attend college or technical school? Planning to join the workforce? Whatever their plan is, there are tools to help. We have pulled together some of our favorite resources on personal finance, managing credit card debt, and more. Another great way to encourage saving? The Go>2 account that helps you save as you spend!

FOR YOUNG ADULTS

Up for a Challenge?

As you head out on your own, it’s time to get smart about credit and managing your expenses. It’s important to know where your money goes and make sure you have enough to cover monthly bills. This budget worksheet will help you break down your expenses and get you on track.

FOR PARENTS

Help Build Good Financial Habits

Your young adult is making decisions for themselves now but that doesn’t mean you can’t encourage them to make wise financial decisions. Credit cards, they’re useful but not for everyone. Talk to your young adult about credit card use and abuse to help them make choices that will help keep them financially savvy.

Things to talk about:

  • What type of credit card is best for you? There are so many options available, what benefits make the most sense.
  • If you are getting a credit card, how will it be used? Will it only be for emergencies only? Will it be for establishing credit?
  • Don’t over spend! Just because you have a limit doesn’t mean you need to max it. Only spend what you actually have and can afford to pay off each month.
  • Pay the bill on time or even better, right after making the purchase if you can! This will help to avoid paying too much interest.
  • Just because you receive multiple credit card offers in the mail, doesn’t mean you need all of them. Stick to only one or two cards to avoid over spending.

WITH YOU EVERY STEP OF THE WAY

cartoon hand putting money in jar

Ages 3+

The Three-Jar Allowance

cartoon image of lady looking at plants

Ages 9+

Spending vs. Saving and Investing

Drawn image of paper and coin currency

Ages 14+

Social Media Privacy

Ages 18+

Budgeting

drawing of a calculator and notepad

Ages 18+

Filling Out the FAFSA

cartoon hand putting money in jar

Ages 3+

Opening Accounts for Children

Budget
College
Mortgage
Loans
Life Changes

Meet , a fun way to become an expert at managing your financial health. Wherever you are in life, live your life — and be your best in those moments. Take charge!

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